Wow - just wow! We could not be more impressed with the service we received from the folks at Better Flood Insurance.
As part of a mortgage refinance, the lender required we obtain flood insurance. Now, we’ve lived in this house for 15 years, and been through multiple financing/re-financing experiences, and this was the first time flood insurance was required (errant FEMA map in our case, but lenders can apparently require flood insurance if any portion of your property is in a designated flood zone). So we knew absolutely nothing about the process.
Being long-time USAA members, we contacted them to pursue NFIP insurance. As always, USAA took terrific care of us - but the policy quote took a bit of time to put together and came back much more expensive than we had hoped. Both USAA as well as our lender pointed out the potential benefits of a private flood insurance policy.
A little research pointed us in the direction of Better Flood Insurance Agency. Again, knowing nothing about the flood insurance market, I was more than a little leery about what I was getting into. But the Better Flood Insurance website sure made them seem accessible - and boy did we feel like we could benefit from a Flood Nerd or two!
I had a very reassuring chat with Caleb Montiel, and definitely came away confident that Better Flood Insurance was going to be able to help us explore our private flood insurance options. Soon after putting in our request for a quote, the founder of the company (Robert) reached out to us even though he was apparently on vacation - remarkable customer attention all around!!
By the next day we had a quote on a policy that was actually better than the NFIP policy, and at about 1/10th the cost! (And a bonus cool factor of it being with Lloyds of London!!) Keep in mind that timing was tight for us due to the way things had worked out with the NFIP policy in conjunction with our refinancing timelines, so finalizing everything was really important for us. Caleb had everything wrapped up for us by the following day - essentially 48 hours start-to-finish… For a better & cheaper policy… Just awesome work!
We could not be more pleased with the support we got from Caleb, Robert, and the whole team at Better Flood Insurance Agency. If you ever find yourself in the market for flood insurance, we unreservedly recommend you track down your own personal Flood Nerd from Better Flood Insurance. We are confident you’ll be glad you did!!